# N26 Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about N26 Software - reviews, pricing plans, popular comparisons to other Mobile Banking products and more. Source: https://www.capterra.com/p/44999/N26-Bank-Account --- # N26 Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) N26 ## What is N26? Banking software that allows users to manage their accounts and transactions and print account activity details. ## What is N26 used for? [Mobile Banking](https://www.capterra.com/mobile-banking-software/) Overall rating Based on 20 user reviews Reviews sentiment Positive 85% Neutral 5% Negative 10% Contact vendor for pricing Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for N26?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://n26.com/en-eu/&name=N26) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### N26 4.3 (20) VS. [### Cash App](https://www.capterra.com/p/246167/Cash-App/) [4.2 (688)](https://www.capterra.com/p/246167/Cash-App/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.8 (20) Ease Of Use 4.5 (688) Value For Money 4.4 (16) Value For Money 4.3 (533) Customer Service 3.9 (15) Customer Service 3.5 (515) ## N26 alternatives Highest Rated [Apple Pay](https://www.capterra.com/p/212840/Apple-Pay/) [4.7 (844)](https://www.capterra.com/p/212840/Apple-Pay/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/212840/Apple-Pay/) [Remitly](https://www.capterra.com/p/234233/Remitly/) [2.2 (82)](https://www.capterra.com/p/234233/Remitly/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 32% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/234233/Remitly/) [Qonto](https://www.capterra.com/p/173384/Qonto/) [4.5 (249)](https://www.capterra.com/p/173384/Qonto/reviews/) Starting price $9.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/173384/Qonto/) [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) [4.6 (915)](https://www.capterra.com/p/212826/Google-Pay/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/212826/Google-Pay/) [View all alternatives](https://www.capterra.com/p/44999/N26-Bank-Account/alternatives/) ## Pricing Value for money 4.4 (16) ### Starting price Contact vendor for pricing Free trial not available Value for money 4.4 (16) 4.4 Based on 16 reviews ## Support, customer service and training options Customer Service 3.9 (15) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.9 (15) 3.9 Based on 15 reviews ## User reviews Overall rating 4.3 Based on 20 reviews Filter by rating 5(14) 4(3) 3(1) 2(0) 1(2) Mentioned topic Sorted by most recent AU Anonymous User Private Accounting ### "Bad experience" 1.0 Overall Rating 1.0 1.0 Ease of Use 4.0 4.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 March 3, 2026 Overall, the basic features work well, but when you need real support or something beyond a simple individual account, the experience becomes very disappointing. Pros \- Very easy and fast to open a standard account. - Creating a virtual card is simple and works smoothly. - The onboarding process for basic services is straightforward and user-friendly. Cons \- Extremely difficult to get meaningful customer support. - The chatbot provides limited or unhelpful guidance. - When I applied for a joint account with my wife, N26 rejected the request without any explanation. - Support explicitly stated they could not tell me why I was not eligible for a joint account, which feels non-transparent and frustrating. - Lack of clarity about eligibility criteria makes it impossible to understand or resolve the issue. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. SS Sylvain S. CEO Music ### "Une banque en ligne simple, rapide et efficace !" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 October 19, 2025 Mon expérience avec N26 est globalement excellente. C’est une banque moderne, transparente et parfaitement adaptée à une utilisation mobile.Je la recommande à tous ceux qui cherchent une alternative simple aux banques traditionnelles. Pros L’ouverture de compte est ultra rapide, les notifications en temps réel sont très utiles et la carte virtuelle facilite les paiements en ligne. J’apprécie aussi la possibilité de créer des sous-comptes pour mieux gérer mes budgets. L’app est moderne et intuitive. Cons Le service client est parfois un peu lent à répondre, surtout lors de fortes demandes. Et certaines fonctionnalités avancées comme les retraits gratuits illimités ou assurances sont réservées aux offres payantes. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FL Florian L. Web developer Media Production ### "Still a very good product, but the lead is shrinking" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 September 24, 2019 N26 has helped me to gain much more insights into my financial situation. Every time there is a transaction, I receive an instant push notification. That way abuse is almost impossible and even when I travel, I can immediately see how much something cost me in my own currency. I can download my entire financial history as a CSV file, which should be the default for any bank, but sadly is far from standard. Pros N26 set new standards for the quality of banking software that are higher than anything I have ever seen before. Everything, starting from the signup process, is smooth, fast and paperless. The mobile and browser apps are beautifully designed and easy to use. The pricing is very fair and transparent. Every time that I experienced any problems, e.g. fraudulent use of my credit card, the customer support was quickly there to help me via online chat. Cons It seems like N26’s fast expansion into new markets has come at the cost of developing new features. When I signed up, there was a menu that generated some statistics from my spending habits. This feature has simply disappeared. The MoneyBeam service, which promises instant transactions between two N26 customers, doesn’t always work because there is some underlying fault with identifying who is a customer based on their email or phone number. Overall, there hasn’t been a major redesign in several years. I am under the impression that other banks will soon catch up and overtake N26 with some new, more radical features. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CP Claudio P. Designer Design ### "One of the best debit cards out there (with a great free plan)" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 July 24, 2019 Pros One of the best debit cards out there, with a great free plan that offer great "limits of use". Anyway, the software is pretty good and usable, with a lot of nice functionalities. Cons There are some little UX problems, the app is not perfect, but nothing that could not be fixed soon Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Anis A. Founder Information Technology and Services ### "This bank eased up financial management for my business" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 June 21, 2019 Pros This bank allows you to quickly register and receive your card. It's extremely fact, functional and modern application that has everything at one place. It allows you to easily manage your funds, additional accounts and all functionalities for business needs are implemented as well. Cons I haven't found any disabilities so far. Only thing that I'm not proud of is that people suspect in this bank, as it's new. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. VS Valeria S. freelancer Translation and Localization ### "useful" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 May 23, 2019 positive experience. Customer service always on point every time I had a question. Pros I have been using it for less than a year but it is an amazing online bank. customer service was always very friendly and quick when answering my questions. the interface both on mobile and pc is easy to use it also has a referral feature. Cons Maybe if it ould offer bank accounts in other countries like Portugal, Italy, Spain. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Product Owner Internet ### "A great app if you don't want to pay banking fees" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 April 23, 2019 My 'normal bank' debit card was expiring and I didn't want to renew it and keep on paying the monthly fees. Switching to N26 allowed me to get a more digital experience, it's the best as a daily bank but it gets even better if you're traveling. Pros Switching to N26 allowed me to try Apple Pay, and it's know become my main mean of payment. I also enjoy dedicated saving spaces as I'm putting a fixed amount every month on a separate space so I won't debit anything from it. As a traveler, the best is by far the free payments in other currencies. Cons At first I was a bit disappointed that there was a minimim activity limit for it to keep on being free. But as of recently, it seems they've lifted this limit as I can't read it anymore on their website. So really, I don't see anything to dislike at the moment. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Consultant Information Technology and Services ### "N26 - How banking should work" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 April 20, 2019 N26 and the other mobile banks are shaking up the UK banking industry. Pretty much all banking transactions will be done on mobile before long and the mobile only operators have much better technology than the traditional retail banks who are struggling to integrate with legacy systems. Pros Mobile apps are the obvious and logical way to manage a bank account. When an application is designed from scratch for mobile it shows. This is light years ahead of the mobile versions of apps or web pages offered by traditional banks. Simple, logical and easy to use. Cons A bit of a pain to sign up, but mostly this is down to regulatory requirements in the UK for opening bank accounts. Still, once set up it just works. The 'spaces' feature (basically money pots allocated for specific things like bills, holidays, etc) is useful, but you only get a couple on the free account. You'll need to upgrade if this is how you like to manage your budget. Not a criticism of the software, but the transparent card - which some consider 'cool' - might not be so clever when the print on the numbers wears off and you have to try to read out the number for some reason! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. monaco d. Web developer Information Technology and Services ### "The perfect mobile banking " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 April 19, 2019 It’s my perfect European banking partner for my daily life. Pros I am using N26 mobile banking for about 1 year. It’s one of the best mobile banking. It was very easy to setup the account, just online. No need to wait for all the long procedures in physical banks to open an IBAN account. N26 offers business accounts that’s really comes up various additional features. Free to use, that is no monthly or yearly fee. It’s perfect for travelers and nomads. Cons The problem I am facing is that, I can only transfer funds to my N26 IBAN. I can’t recharge my N26 account through any ATM machine or going to any bank branch (as N26 is a mobile banking platform, there is no physical bank branches). It offers recharge through some partner shops, that’s only in Germany. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. HS Hemal S. Senior Account Manager Financial Services ### "Welcome to the N26 “ Circus” Bank " 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 1/10 March 12, 2019 I felt like a kid again .. It’s a great Circus 🎪 Pros If I was to consider the features and benefits of app , even now . Yes it’s a nice app with many functions but all useless if you have no support . Read the cons !!! Easily outweighs any pros they may have Cons A bank that wants your money but doesn’t want to speak to you on phone Only Chat support that can end the chat when they like Complaints team is full of marvel superstars ( only fiction ) Apply for a Chargeback request and they have even shocked Mastercard with their astronomical processing times and support . Mostly importantly if you do your research right ... you know that I am not the only one facing these issues ... there are thousands others . And worst part is N26 won’t say why we can’t get phone support through them .. which was all available when we opened the account . Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/44999/N26-Bank-Account/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)